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usbank.com
Accounts Manage
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Paze and the Paze related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Consumer Pricing Information
By Phone:
U.S. Bank accepts Relay Calls
Internet:
%
Uni-Statement
NEWS FOR YOU
INFORMATION YOU SHOULD KNOW
P.O. Box 1800
Saint Paul, Minnesota 55101-0800
1309 TRN S X ST01
DDFADTDADDFTDDADTDFTTTDDDADTDFAFTTAADDDTFADAFAFFAFTAFFTDAFTFTATFA Products and services available in U.S. only. Eligibility requirements and restrictions apply. For additional information, contact a U.S. Bank branch or call 800-***-****.
DENNIS LEE KELLY
401 W 3RD ST APT 3
SIOUX CITY IA 51103-4500
Activate Paze today.
usbank.com/CPI-upcoming-version
Here's what you should know:
usbank.com/book
Account Number:
Statement Period:
Oct 5, 2024
through
Nov 6, 2024
Page 1 of 3
Scan here with your phone's camera to download the U.S. Bank Mobile App. Eligible debit and credit cardmembers can activate Paze by logging in to usbank.com, visiting, then selecting
. Or open the U.S. Bank Mobile App and tap . Activate today and check out online without sharing your card number. Learn more about Paze at usbank.com/paze
Effective November 12, 2024, please review updates made to the disclosure which may affect your rights.
Beginning October 7, 2024, you can review the full revised disclosure at, by calling 24-Hour Banking at 800-USBANKS (872-2657) or by visiting your local U.S. Bank branch. We accept relay calls. Adding two additional ways to waive the Monthly Maintenance Fee for the U.S. Bank Smartly Savings account: Presence of a U.S. Bank Smartly Visa Signature Card, or Account holder(s) age 17 or younger
The Monthly Maintenance Fee will be waived on all U.S. Bank Smartly Savings accounts with the presence of a U.S. Bank Smartly Checking or Safe Debit account.
The U.S. Bank Smartly Visa Signature Card will be added as an option to qualify for the U.S. Bank Smartly Savings Interest Rate Bump.
Clarification is being added to the combined qualifying balances for the Bank Smartly Savings Interest Rate Bump. The Standard Savings account will no longer be available for new accounts or upgrades in the future. Under U.S. Bank Smart Rewards Other Product Benefits, the following benefits will be updated: The Monthly Maintenance Fee will be waived on existing Standard Savings accounts The Standard Savings Interest Rate Lift will only apply to existing Standard Savings accounts If you have questions, please call us at 800-USBANKS (872-2657) – we're available to help! You can also schedule an appointment at to speak with a banker in person, by phone or virtually. To Contact U.S. Bank
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Reserve Line Balance Computation Method: Balance Subject to Interest Rate Balance Subject to Interest Rate
What To Do If You Think You Find A Mistake on Your Statement Account information:
Dollar Amount:
Description of problem:
in writing
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BALANCE YOUR ACCOUNT
IMPORTANT DISCLOSURES TO OUR CONSUMER CUSTOMERS
In Case of Errors or Questions About Your Checking, Savings, ATM, Debit Card, ACH, Bill Pay and Other Electronic Transfers IMPORTANT DISCLOSURES TO OUR BUSINESS CUSTOMERS
CONSUMER BILLING RIGHTS SUMMARY REGARDING YOUR RESERVE LINE REPORTS TO AND FROM CREDIT BUREAUS FOR RESERVE LINES CONSUMER REPORT DISPUTES
Outstanding Deposits
DATE AMOUNT
TOTAL $
Outstanding Withdrawals
DATE AMOUNT
TOTAL $
If you think your statement or receipt is wrong or if you need more information about a transfer on the statement or receipt, we must hear from you no later than 60 days* after we sent you the FIRST statement on which the error or problem appeared. Telephone us at the number listed on the front of this statement or write to us at U.S. Bank, EP-MN-WS5D, 60 Livingston Ave., St. Paul, MN 55107.
Tell us your name and account number.
Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information. Tell us the dollar amount of the suspected error.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to investigate your complaint. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.
*Please note: Paper draft and paper check claims must be disputed within 30 days per Your Deposit Account Agreement. Errors related to any transaction on a business account will be governed by any agreement between us and/or all applicable rules and regulations governing such transactions, including the rules of the National Automated Clearing House Association (NACHA Rules) as may be amended from time to time. If you think this statement is wrong, please telephone us at the number listed on the front of this statement immediately. If you think there is an error on your statement, write to us at: U.S. Bank, P.O. Box 3528, Oshkosh, WI 54903-3528.
In your letter, give us the following information: Your name and account number.
The dollar amount of the suspected error.
If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. To determine your, use the dates and balances provided in the Reserve Line Balance Summary section. The date next to the first Balance Subject to Interest is day one for that balance and is applicable up to (but not including) the date of the next balance (if there is one). We multiply the Balance Subject to Interest by the number of days it is applicable and add them up to get the same number of days in the billing cycle. We then divide the result by the number of billing days in the cycle. This is your . Any unpaid interest charges and unpaid fees are not included in the Balance Subject to Interest. The ***INTEREST CHARGE*** begins from the date of each advance.
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report. We may report information about account activity on consumer and small business deposit accounts and consumer reserve lines to Consumer Reporting Agencies (CRA). As a result, this may prevent you from obtaining services at other financial institutions. If you believe we have inaccurately reported information to a CRA, you may submit a dispute by calling 844-***-**** or by writing to: U.S. Bank Attn: Consumer Bureau Dispute Handling (CBDH), P.O. Box 3447, Oshkosh, WI 54903-3447. In order for us to assist you with your dispute, you must provide: your name, address and phone number; the account number; the specific information you are disputing; the explanation of why it is incorrect; and any supporting documentation (e.g., affidavit of identity theft), if applicable.
Member FDIC
To keep track of all your transactions, you should balance your account every month. Please examine this statement immediately. We will assume that the balance and transactions shown are correct unless you notify us of an error.
1. List any deposits that do not appear on your statement in the Outstanding Deposits section at the left. Record the total.
2. Check off in your checkbook register all checks, withdrawals (including Debit Card and ATM) and automatic payments that appear on your statement. Withdrawals that are NOT checked off should be recorded in the Outstanding Withdrawals section at the left. Record the total. 3. Enter the ending balance shown on this statement. $ 4. Enter the total deposits recorded in the Outstanding Deposits section. $ 5. Total lines 3 and 4. $
6. Enter the total withdrawals recorded in the Outstanding Withdrawals section. $ 7. Subtract line 6 from line 5. This is your balance. $ 8. Enter in your register and subtract from your register balance any checks, withdrawals or other debits (including fees, if any) that appear on your statement but have not been recorded in your register.
9. Enter in your register and add to your register balance any deposits or other credits (including interest, if any) that appear in your statement but have not been recorded in your register. 10. The balance in your register should be the same as the balance shown in #7. If it does not match, review and check all figures used, and check the addition and subtraction in your register. If necessary, review and balance your statement from the previous month. Date Description of Transaction Ref Number Amount
Date Description of Transaction Ref Number Amount
Date Description of Transaction Ref Number Amount
Uni-Statement
U.S. BANK SMARTLY CHECKING
Account Summary
Deposits / Credits
Card Withdrawals
Other Withdrawals
U.S. Bank National Association
Member FDIC
DENNIS LEE KELLY
401 W 3RD ST APT 3
SIOUX CITY IA 51103-4500
Account Number 1-964-****-****
Ending Balance on Nov 6, 2024 $ 242.81
Total Deposits / Credits $ 1,999.50
Card 2563 Withdrawals Subtotal $ 766.23-
Total Card Withdrawals $ 766.23-
Total Other Withdrawals $ 554.00-
Account Number:
Statement Period:
Oct 5, 2024
through
Nov 6, 2024
Page 2 of 3
Beginning Balance on Oct 5 $ 314.37
Deposits / Credits 1,999.50
Card Withdrawals 766.23-
Other Withdrawals 554.00-
Checks Paid 750.83-
Number of Days in Statement Period 33
Oct 16 Federal Benefit Deposit
REF=242840057335430N00
From SSA TREAS 310
XXSOC SEC 903******* 7398A S
$ 1,379.00
Oct 17 Federal Benefit Deposit
REF=242900058734170N00
From SSA TREAS 310
XXSOC SEC 910******* 7398A S
18.00
Oct 23 Mobile Banking Transfer From Account 296********* 50.00 Oct 31 Electronic Deposit
REF=243020130811760Y00
From SAG-PPP
PENSION 195*******
552.50
Card Number: xxxx-xxxx-xxxx-2563
Oct 7 Debit Purchase - VISA
BOB ROES POINT A
On 100424 SIOUX CITY IA
REF # 24269794279500867971365
950******* $ 21.65-
Oct 7 ATM Withdrawal USB SIOUX CITY H SIOUX CITY IA Serial No. 007727130013SUS28755
60.00-
Oct 8 Debit Purchase - VISA
SQ *THE CANNABIS
On 100724 South Sioux NE
REF # 24692164281101802356959
110******* 115.00-
Oct 16 Debit Purchase - VISA
DRILLING MORNING
On 101524 712-***-**** IA
REF # 24013394289003297180141
900-***-**** 4.42-
Oct 17 Debit Purchase - VISA
STARBUCKS STORE
On 101524 SIOUX CITY IA
REF # 24692164290109603260105
010******* 3.16-
Oct 17 Debit Purchase - VISA
SQ *THE CANNABIS
On 101624 South Sioux NE
REF # 24692164290109787538201
010******* 240.00-
Oct 22 ATM Withdrawal USB SIOUX CITY H SIOUX CITY IA Serial No. 000792145537SUS28755
60.00-
Oct 31 ATM Withdrawal US BANK SIOUX CI SIOUX CITY IA Serial No. 006376164434SUS29483
100.00-
Nov 1 ATM Withdrawal US BANK SIOUX CI SIOUX CITY IA Serial No. 006507154123SUS29483
20.00-
Nov 1 Debit Purchase
745829
KUM&GO 0229R SIO SIOUX CITY IA
On 110124 ILK1TERM REF 430*********
291******* 37.00-
Nov 1 Debit Purchase - VISA
SQ *THE CANNABIS
On 103124 South Sioux NE
REF # 24692164305100254422030
510******* 105.00-
Oct 16 Customer Withdrawal 861-***-**** $ 200.00-
Oct 21 Mobile Banking Transfer To Account 296********* 60.00- Oct 21 Transfer To Account 296********* 210******* 60.00- Oct 23 Electronic Withdrawal
REF=242960135952080N00
To AFLAC COVERAGE
DRAFT 206-***-****
184.00-
Oct 31 Mobile Banking Transfer To Account 296********* 50.00- A "waive" occurs when an assessed fee is credited back automatically. Check Date Ref Number Amount
Check Date Ref Number Amount Description of Transaction Payee Date Ending Balance Date Ending Balance Date Ending Balance Uni-Statement
U.S. BANK SMARTLY CHECKING (CONTINUED)
Checks Presented Conventionally
Checks Presented Electronically
Balance Summary
U.S. Bank National Association
DENNIS LEE KELLY
401 W 3RD ST APT 3
SIOUX CITY IA 51103-4500
Account Number 1-964-****-****
Conventional Checks Paid (1) $ 650.00-
Electronic Checks Paid (1) $ 100.83-
Total Checks Paid $ 750.83-
Account Number:
Statement Period:
Oct 5, 2024
through
Nov 6, 2024
Page 3 of 3
Total for Statement Period Total Year to Date
Total Returned Item Fees $ 0.00 $ 0.00
Total Overdraft Fees $ 0.00 $ 180.00
Less: Waives $ 0.00 $ 108.00-
TOTAL $ 0.00 $ 72.00
0213 Oct 21-801******* 650.00
0210 Oct 7 100.83 PAYMENTS AT&T Services
Oct 7 131.89
Oct 8 16.89
Oct 16 1,191.47
Oct 17 966.31
Oct 21 196.31
Oct 22 136.31
Oct 23 2.31
Oct 31 404.81
Nov 1 242.81
Balances only appear for days reflecting change.
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